Which card has a lower forex fee: BOBCARD Eterna Credit Card or BOBCARD Tiara Credit Card?

Both cards have the same forex markup (2%).

Which card has a lower annual fee: BOBCARD Eterna Credit Card or BOBCARD Tiara Credit Card?

Both cards have the same annual fee (₹2,499).

Which card offers better lounge access?

BOBCARD Eterna Credit Card: Unlimited domestic lounge access. BOBCARD Tiara Credit Card: Unlimited domestic lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

BOBCARD Eterna vs BOBCARD Tiara Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the BOBCARD Eterna and the BOBCARD Tiara. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Eterna BOBCARD

Annual fee ₹2,499 Waivable at ₹2,50,000 spend
Forex markup 2%
Domestic lounge Unlimited Conditional · Domestic: Unlimited · requires ₹40,000 spend in the previous calendar quarter

Tiara BOBCARD

Annual fee ₹2,499 Waivable at ₹2,50,000 spend
Forex markup 2%
Domestic lounge Unlimited Conditional · Domestic: Unlimited · requires ₹40,000 spend in the previous calendar quarter

Reward earning explained

Per card

Eterna

15 pts / ₹100 on Dining (5 RP/₹100 (15 RP/₹100) on dining, travel, internationa…

Limited data

Tiara

3 pts / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (BOBCARD Eterna: ₹2,499 vs BOBCARD Tiara: ₹2,499), forex markup (2% vs 2%), or lounge access (Unlimited vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited.
Rewards Insufficient data

Insufficient data to compare rewards

Only BOBCARD Tiara has comparable evidence here. Base earn is 3 pts per ₹100.

Eterna: Limited data

Confidence: Low (limited information available)

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

BOBCARD Eterna: Base earn not clearly specified
BOBCARD Tiara: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Eterna BOBCARD	Tiara BOBCARD
Lounge Access
Domestic lounge visits	Unlimited	Unlimited
Forex / International Use
Forex markup	2%	2%
Fees
Annual fee	₹2,499	₹2,499
Joining fee	₹2,499	₹2,499
Fee waiver spend	₹2,50,000	₹2,50,000
Rewards
Points per ₹100	3 pts	3 pts

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.